Ear plugs handle the noise/wind... would kind of feel like a dork wearing a helmet while driving around town, even the freeway. I have a windshield/air deflectors.
Guess I feel the helmet won't help much if I get T-boned or someone pulls out in front of me. I do wear my 5 point harness. And am looking at more rollbar for side protection.
Seriously, I'd be more worried about breaking my neck than hitting my head... guess I could wear a Hans Device with helmet everywhere;)